News

The Ogden Rate Change 2017

You may have heard about a change to the Ogden Rate, announced by The Lord Chancellor, which was made effective earlier this year. The Discount Rate, also referred to as...

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Global Cyber Attack Advice & Cyber Liability Insurance

The recent global cyber attack WannaCry has hit over 150 countries, encrypted the data of 200,000 computers and affected organisations such as the NHS, FedEx, Nissan and Renault. With the...

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Horner Blakey hails next stage of growth with senior appointment

  Independent insurance brokers Horner Blakey has strengthened its management team with the appointment of Robin Thomson as Director. Thomson joins the business with over 25 years industry experience and...

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The influencing factors of escape of water

Water damage can present a number of problems to property and causes millions of pounds worth of damage every day. Every year there are numerous insurance claims for damage to...

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Safeguard your IT Network with common sense policies

Safeguarding their IT network is a challenge for many companies. Now that many employees are using their own tablets and smartphones at work, and keeping your corporate network safe becomes...

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It’s Ski Season…stay safe!

Skiing accidents are the most common claim on Winter Sports insurance. Even experienced skiers and snowboarders can be involved in collisions or accidents. Our top tips for staying safe on...

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What to carry in your car throughout the winter – don’t get caught out!

Don’t get caught out. Be prepared and, even if the worst happens, you have the reassurance of knowing you have resources. • Powerful torch with spare batteries • Reflective triangle...

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Christmas opening hours and advice

Friday 23 December 9am-5.30pm Boxing Day Closed Tuesday 27 December Closed Wednesday 28 December 10am-3.30pm Thursday 29 December 10am-3.30pm Friday 30 December 10am-3.30pm Monday 2 January Closed Tuesday 3 January...

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Why asset rich individuals run a higher risk of underinsurance

A report at the end of 2015 found that 70-80% of high net worth individuals were underinsured! Underinsurance Being underinsured is a common issue when it comes to items that...

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In the lead up to Christmas it pays to be vigilant

Burglars are often opportunists and will be attracted to what’s on display in your home or your car, especially in the lead up to Christmas! Tablets, laptops, mobile phones and...

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The insurance industry pays out £2.5m every day for escape of water home insurance claims

According to the Association of British Insurers (ABI), the insurance industry pays out £2.5m every day to customers for escape of water home insurance claims. That includes problems caused by...

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Crime increases around Halloween

Crime related insurance claims spike around Halloween. This includes an increase in theft, both inside and outside the home, and vandalism. A lot of people walk around local streets with...

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What is business interruption insurance?

Business interruption insurance can be added to an overall business insurance policy, providing cover for loss of income and helping a business get back on its feet financially. Whilst property...

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Putting a value on plant and machinery

Insurance policies can specify different bases of settlement. It is therefore essential that the applicable basis is known before valuing assets. In the UK, either an indemnity or, more commonly,...

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Insurance Premium Tax (IPT) to increase to 10%.

  In this year’s March Budget, the Chancellor of the Exchequer announced there will be a 0.5% increase to the standard rate of insurance premium tax from 9.5% to 10%...

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The Insurance Act 2015: what businesses need to know

The Insurance Act comes in to force on 12 August 2016 and is designed to modernise Britain’s insurance industry. The current regulations which govern the contracts between businesses and insurers...

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How do you keep empty commercial property safe?

  From arsonists to thieves, vacant properties can attract a lot of unwanted attention. It’s important for companies to ensure that their unoccupied properties don’t look like an attractive target...

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Building cyber resilience

  UK cyber attacks have risen 40% in a year and the UK is now the European country targeted most by cyber criminals. As valuable information is increasingly transferred to...

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The Insurance Act 2015

The Insurance Act is a piece of legislation designed to modernise Britain’s insurance industry. The current regulations which govern the contracts between businesses and insurers are over 100 years old....

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Business Continuity Planning: Is your business prepared for the worst?

  As a business owner you are susceptible to a major emergency and how you prepare and plan for this could be the difference between your business prospering in adversity...

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162 building fires in Britain every day!

  Fires are a major problem for landlords and home owners, with an average of 162 building fires in Britain every day and annual fire-related property insurance claims touching £1bn....

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Business Travel and the Zika Virus

  The FCO travel advice website for affected destinations offers a link to specialist advice on this (National Travel Health Network & Centre) where the headline message is: Pregnant travellers...

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Insurance Risks for Yacht Clubs

  From small dinghy sailing clubs to the largest yacht clubs – the size and structure of the thousands of boat clubs operating throughout Britain varies enormously. We take a...

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Cyber Risks

  Cyber crime is a growing threat to UK corporates, with official government figures showing that 90% of larger businesses have suffered a cyber breach in the past year. The...

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Understanding Christmas pressures for SMEs

Christmas is a time of celebration and relaxation for most, but it can bring extra challenges for owners of small businesses. From supplier closures to staff holidays, the festive season...

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Advice and help for flood victims

  As parts of the UK are suffering from the devastating effects of flash flooding and storms, we have issued the following advice to homeowners and businesses affected by the...

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Is your business prepared for the worst?

  As a business owner you are susceptible to a major emergency and how you prepare and plan for this could be the difference between your business prospering in adversity...

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Looking after unoccupied property

  Unoccupied premises are often an inevitable consequence of owning a property portfolio. Evidence shows that the prospect of damage or injury arising from empty buildings is high, even if...

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Modern cyber threats have unique challenges

  The nature of cyber threats are evolving rapidly. As businesses become ever more reliant on technology, the risk of suffering a loss related to problems with computer systems, holding sensitive...

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Top tips for choosing the right safe for your home

Many banks are no longer holding jewellery in safe deposit boxes. With criminals aware of this, it is very important to ensure your valuables are kept in a secure quality...

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Preparing your car for winter

While the variability of UK weather makes it hard to predict when winter weather will set in, the end of October is generally a good deadline date to set yourself for completing...

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Horner Blakey wins Star Broker Award 2015

  I am proud and delighted to announce Horner Blakey has won Bluefin Star Broker of the Year at the Bluefin Network Conference 2015.  The award is voted for by UK...

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Insurance premium tax to increase from November

  You may have read in the Chancellor’s summer budget that Insurance Premium Tax (IPT) is set to rise to 9.5% from 1 November 2015. IPT, a tax on general...

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Top 3 insurance risks of wearable technology

  These potential risks are amplified when it comes to the latest gadget trend – wearable technology. The market for wearable technology has exploded in recent years, with research firm Gartner estimating...

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Understanding Balcony Fire Hazards

For many, balconies provide the perfect setting to make the most of long summer nights – eating, drinking and socialising with friends. However, in recent years there have been a...

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The importance of online reputation for SMEs

Businesses are as concerned with online reputational risk as they are cyber attacks, according a recent survey. The survey shows that the management of online perception is seen as crucial...

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Protecting Directors and Officers

  Since the global financial crisis, tougher legal and regulatory environments have meant Directors face greater scrutiny of their actions. Whether it’s health and safety, bribery laws, mergers and acquisitions,...

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Risks and rewards of using personal devices for work

  Safeguarding their IT network is already a challenge for many companies. Add to this the trend for employees to use their own tablets and smartphones at work, and keeping...

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New Branch Manager for Horner Blakey Insurance Brokers

  Horner Blakey Insurance Brokers is delighted to announce Chris Konstantinou has been promoted to branch manager of their recently formed Maida Vale branch. Since the purchase of Maida Vale...

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Property Owners Legal Protection – Why Buy

Having the right tenants in a property is key to maximising your investment. As you are aware problems with tenants can be time consuming, stressful and costly to resolve. Reasons...

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Group Personal Accident and Business Travel insurance – Why Buy

  In today’s global marketplace employees need to travel on business more often. A Group Personal Accident and Business Travel insurance policy can protect them wherever they may be in the world. ...

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Advance Profits Insurance

  The requirement for advance profits cover is appropriate for any business undertaking new works for example the construction of a new building or the refurbishment of existing premises. While...

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Cyber attack: Is your business ready for the inevitable?

  Exposure to business interruption caused by cyber risks has grown for a number of reasons recently including: – an increasing reliance on electronic systems to conduct business – the...

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Legislation governs your vehicles road safety

Regardless of how many vehicles you operate, there is legislation that governs road safety, including the various Road Traffic Acts and regulations supported by the Highway Code.  In addition, there...

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Lloyd’s – a brief introduction to Lloyd’s insurance market

  Lloyd’s has been at the centre of the worldwide insurance market for centuries. It has no connection at all with The Lloyd Banking Group or Lloyds Pharmacy. It was...

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What is a “material fact” and why is it so important?

  When applying for insurance, you will be asked to disclose all material facts that could affect the risk. Why, because the law assumes you know everything about the risk...

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Fire damage claims

  Fire could be the biggest risk to the survival of many businesses. Owners or directors of businesses which have neglected to ensure a valid full fire risk assessment is...

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Pollution – it could be your problem

  Environmental pollution is a hot issue and businesses have to take great care not to pollute the neighbourhood or the atmosphere.  Seepage of oil from tanks, the growing practice...

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Employment legislation, compensation and blame culture.

Does your business insurance measure up? Running a business is becoming increasingly complex, compounded by extra regulation, advances in employment legislation, new laws and the growing compensation and blame culture....

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Management Liability Portfolio Insurance

Around 80% of small and medium sized businesses do not protect themselves and their directors and officers against personal claims against them although the list of potential and actual causes...

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Intellectual property risk and insurance

What is Intellectual Property? “Intangible” assets (“IA”) include Intellectual Property (”IP”), which covers a diverse range of  legally protected rights such as patents, copyrights, trademarks, trade secrets, designs and other...

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Maida Vale Insurance Bureau merges with Horner Blakey

  Horner Blakey Insurance Brokers are delighted to announce the merger with Maida Vale Insurance Bureau on 21 Malvern Road, West Kilburn, London NW6 5PS   Horner Blakey is one...

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Insurance advice for exporters

British made goods are attractive to overseas buyers but exporting can still be a messy business hindered by a great deal of red tape. One of the main issues that...

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That sinking feeling. Flood insurance

As we have seen dominating the news and media for the past couple of months, the devastating scenes of the flood crisis has affected people up and down the country...

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Unoccupied Properties

Introduction Unoccupied properties are an inevitable feature of the property market. Evidence shows that the prospect of damage or injury arising from unoccupied property is high, even if only temporarily...

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Employers are legally responsible for employees who drive whilst at work

  Employers are legally responsible for employees who drive whilst at work. The employer’s responsibility also extends to ensuring that private vehicles used by employees on ‘company business’ are also...

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Staged Motor Accidents

  In recent years drivers have increasingly fallen victim to a new kind of car crime – staged or deliberate motor accidents where someone deliberately causes an accident with an...

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Increase in number of first time landlords

The number of first time landlords has increased thanks to a boost in the property market. A recent survey found that 27% of circumstances involved first time landlords – the...

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Season’s Greetings from Horner Blakey

The team at Horner Blakey wish you a very Merry Christmas and a prosperous 2014! 2013 has been an extremely exciting year for us and we look forward to working...

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What is Directors Liability Insurance?

Mike Daniel of Horner Blakey Insurance Brokers explains.   Even decisions made with the best intentions are subject to scrutiny. Where there are legal actions and investigations that allege misconduct...

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Do I Need Public Liability Insurance?

If you work with the public, or the public come to your offices or premises to do business with you, then you will need public liability insurance. Even though public...

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What is Property Owners Insurance?

Property owners insurance is designed to protect you as an owner of a property whether it be a Commercial or Residential let. It is to safeguard your assets and protect...

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What Is The Difference Between Subsidence and Settlement?

Subsidence has caused misery for many homeowners and some owners may be tempted to take insurance that excludes subsidence cover to reduce premiums. If you have a home with a...

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Horner Blakey Insurance Brokers to speak at the Embassy Diplomatic Induction Seminar

Nick Horner, Managing Director of Horner Blakey Insurance Brokers, is set to address diplomats on the benefits of seeking the right insurance at this year’s Embassy Diplomatic Induction Seminar. The...

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